Homes for Heroes Research

How Affordable isHomeownership forAmerica’s Heroes?

Home affordability remains a challenge across the U.S., but new Homes for Heroes research shows that many Hero households are still better positioned to buy than the average American household, especially in certain Midwest and Great Lakes metros. Explore how health care professionals, teachers, first responders, military personnel and veterans are positioned to buy a home in the nation's 50 largest metro areas.

Illustrated suburban home with a city skyline behind it

Home Affordability at a Glance

How many affordable metros areas out of the 50 largest in the U.S. are in your Hero group?

  • 0/50

    Affordable metros

    Firefighter & Law Enforcement Households

  • 0/50

    Affordable metros

    Health Care Professional Households

  • 0/50

    Affordable metros

    Teacher & Educator Households

  • 0/50

    Affordable metros

    Military & Veteran Households


  • The Midwest Offers the Strongest Opportunity

    Pittsburgh, Buffalo, Detroit, Cleveland, Indianapolis, and St. Louis consistently rank among the most affordable metros

  • Coastal Markets Show the Largest Gaps

    Los Angeles, San Jose, San Francisco, San Diego, New York, and Miami show some of the largest affordability gaps

  • Younger Heroes Face a Steeper Climb

    Early-career Hero households under 35 have fewer affordable options, especially teachers and health care professionals.

Explore the Most Affordable Markets for Hero Households

Use the interactive map to learn which metros rank highest for affordability across Hero groups, including median home price, rankings by profession and local market highlights.

Legend
Detroit, MIDetroit, MIBuffalo, NYBuffalo, NYCleveland, OHCleveland, OHSt. Louis, MOSt. Louis, MOIndianapolis, INIndianapolis, INLos Angeles, CALos Angeles, CASan Jose, CASan Jose, CASan Francisco, CASan Francisco, CASan Diego, CASan Diego, CANew York, NYNew York, NYMiami, FLMiami, FLPittsburgh, PAPittsburgh, PA

Pittsburgh, PA

Most affordable

Median Home Price

$250,000

Affordability Rankings

  • #1 for Teachers, Firefighters and EMS, and Law Enforcement
  • #2 for Military and Veterans

Pittsburgh is a highly livable city with a strong mix of affordability, culture, parks, universities, healthcare, and distinct neighborhoods. There's plenty to do, from museums, sports, restaurants and music venues to riverfront trails and numerous parks. It's especially good for families because it combines city amenities with quieter residential areas and access to green space.

  • #1 Teachers & Educators
  • #1 Fire & Law Enforcement
  • #1 Health Care Professionals
  • #2 Military & Veterans

Selected market — choose another pin to change it


The most affordable metros at a glance

  • Pittsburgh, PA

    Most affordable

    Median Home Price

    $250,000

    Affordability Rankings

    • #1 for Teachers, Firefighters and EMS, and Law Enforcement
    • #2 for Military and Veterans

    Pittsburgh is a highly livable city with a strong mix of affordability, culture, parks, universities, healthcare, and distinct neighborhoods. There's plenty to do, from museums, sports, restaurants and music venues to riverfront trails and numerous parks. It's especially good for families because it combines city amenities with quieter residential areas and access to green space.

    • #1 Teachers & Educators
    • #1 Fire & Law Enforcement
    • #1 Health Care Professionals
    • #2 Military & Veterans
  • Detroit, MI

    Most affordable

    Median Home Price

    $264,900

    Affordability Rankings

    • #2 for Teachers, Health Care Professionals
    • #3 for Firefighters and EMS, Military and Veterans

    Known as “Motor City”, Detroit is in the midst of reinventing itself and the energy is hard to miss. The area offers affordability, culture, automotive history, music, and distinctive communities. With world-class museums, sports, restaurants, live music, and riverfront attractions, there's a little something for everyone. Detroit is also just across the river from Canada.

    • #2 Teachers & Educators
    • #2 Health Care Professionals
    • #3 Fire & Law Enforcement
    • #3 Military & Veterans
  • Buffalo, NY

    Most affordable

    Median Home Price

    $265,000

    Affordability Rankings

    • #1 for Military and Veterans
    • #2 for Firefighters and EMS, Law Enforcement
    • #3 for Health Care Professionals
    • #4 for Teachers

    Though the second most populous city in New York, Buffalo is an affordable and very livable metro thanks to its quiet neighborhoods and welcoming community. Located on the eastern shore of Lake Erie, the city boasts a revitalized waterfront, thriving art scene, plenty of green spaces, and rich culinary traditions. You can also visit the stunning and nearby Niagara Falls.

    • #1 Military & Veterans
    • #2 Fire & Law Enforcement
    • #3 Health Care Professionals
    • #4 Teachers & Educators
  • Cleveland, OH

    Most affordable

    Median Home Price

    $269,900

    Affordability Rankings

    • #3 for Teachers
    • #4 for Firefighters and EMS, Law Enforcement, Military and Veterans

    Located on the southern shore of Lake Erie, Cleveland is known for its world-class healthcare, thriving sports teams, lakefront attractions, music and theater scene, and distinctive neighborhoods. The big city amenities combined with affordability and a more relaxed pace make Cleveland a very attractive place to live.

    • #3 Teachers & Educators
    • #4 Fire & Law Enforcement
    • #4 Military & Veterans
  • St. Louis, MO

    Most affordable

    Median Home Price

    $289,900

    Affordability Rankings

    • #4 for Health Care Professionals
    • #5 for Teachers, Firefighters and EMS, Law Enforcement, Military and Veterans

    Known as the “Gateway to the West”, St. Louis sits on the mighty Mississippi River and serves as a shining example of a Midwestern cultural hub. Rich in history, cultural attractions, distinct culinary traditions, riverfront destinations, and a deep passion for sports, St. Louis offers big city living with the laid back attitude of the Midwest.

    • #4 Health Care Professionals
    • #5 Teachers & Educators
    • #5 Fire & Law Enforcement
    • #5 Military & Veterans

The least affordable metros at a glance

  • Los Angeles, CA

    Least affordable

    Median Home Price

    $1,100,000

    Affordability Rankings

    • Least affordable metro for Teachers and Educators
    • Least affordable metro for Health Care Professionals

    Los Angeles is a sprawling Southern California metropolis known for its entertainment industry, diverse neighborhoods, beaches, and year-round sunshine. While it offers world-class culture and career opportunities, sky-high home prices make it the least affordable market for Teachers and Health Care Professionals.

  • San Jose, CA

    Least affordable

    Median Home Price

    $1,398,000

    Affordability Rankings

    • Least affordable metro for Firefighters, EMS & Law Enforcement
    • Least affordable metro for Military & Veterans

    At the heart of Silicon Valley, San Jose is a global technology hub with a strong economy, excellent schools, and proximity to world-leading innovation centers. However, the region's housing market is one of the nation's most expensive, making it the least affordable metro for Fire, EMS & Law Enforcement and Military & Veteran households.

  • San Francisco, CA

    Least affordable

    Median Home Price

    $998,250

    Affordability Rankings

    • One of the least affordable metros for Hero households

    San Francisco is an iconic city famous for its steep hills, cable cars, tech economy, and cultural landmarks. The Bay Area's limited housing supply and strong job market push prices near the top of the nation, creating a significant affordability gap for Hero households.

  • San Diego, CA

    Least affordable

    Median Home Price

    $939,450

    Affordability Rankings

    • One of the least affordable metros for Hero households

    San Diego is known for its mild climate, beaches, military bases, and vibrant biotech sector. Its desirable coastal location and high demand keep home prices well above national averages, making it one of the toughest markets for Heroes to buy.

  • New York, NY

    Least affordable

    Median Home Price

    $775,000

    Affordability Rankings

    • One of the least affordable metros for Hero households

    New York City offers unmatched career opportunities, culture, transit, and diversity across its five boroughs. But limited space and strong demand keep home prices high, placing it among the least affordable major metros for Hero households.

  • Miami, FL

    Least affordable

    Median Home Price

    $499,000

    Affordability Rankings

    • One of the least affordable metros for Hero households

    Miami is a vibrant international city known for its beaches, arts scene, nightlife, and strong ties to Latin American business. While more affordable than some coastal peers, rapid growth and demand have pushed home prices beyond easy reach for many Hero households.

The Top 5 Most Affordable Metro Areas by Profession

Top five most affordable metro areas by Hero profession
RankTeachers & EducatorsFire & Law EnforcementHealth Care ProfessionalsMilitary & Veterans
1Pittsburgh, PAPittsburgh, PAPittsburgh, PABuffalo, NY
2Detroit, MIBuffalo, NYDetroit, MIPittsburgh, PA
3Cleveland, OHDetroit, MIBuffalo, NYDetroit, MI
4Buffalo, NYCleveland, OHSt. Louis, MOCleveland, OH
5St. Louis, MOSt. Louis, MOIndianapolis, INSt. Louis, MO

Rankings cover the 50 largest U.S. metro areas. 4 Hero groups analyzed.

Coastal Markets Remain the Most Expensive

High-cost coastal metros create the largest affordability gaps for Hero households. Los Angeles ranks as the least affordable metro for Teachers and Health Care Professionals, while San Jose ranks as the least affordable for Fire, EMS & Law Enforcement and Military & Veteran households.

  • $1,100,000

    Los Angeles

  • $1,398,000

    San Jose

  • $939,450

    San Diego

  • $998,250

    San Francisco

  • $775,000

    New York

  • $499,000

    Miami

Los Angeles ranks as the least affordable metro for Teachers and Health Care Professionals.

San Jose ranks as the least affordable metro for Fire, EMS & Law Enforcement and Military & Veteran households.

For comparison — Midwest median home prices

  • Pittsburgh: $250,000
  • Detroit: $264,900
  • Buffalo: $265,000
  • Cleveland: $269,900
  • St. Louis: $289,900

San Jose’s median home price is roughly 6 times that of Pittsburgh.

Younger Heroes Face a Steeper Climb

Established Hero households are better positioned in many major metros, but affordability drops sharply for Hero households under age 35. For younger teachers and health care professionals, only five of the 50 largest metros are affordable.

  • Teachers & Educators

    Established Hero Households

    23metros

    Under 35 Hero Households

    5metros

  • Fire & Law Enforcement

    Established Hero Households

    39metros

    Under 35 Hero Households

    8metros

  • Health Care Professionals

    Established Hero Households

    25metros

    Under 35 Hero Households

    5metros

  • Military & Veterans

    Established Hero Households

    17metros

    Under 35 Hero Households

    4metros

The Single-Income Challenge

While many Hero households are better positioned for homeownership because of stable careers and household income, buying on one income alone is much harder.

  • Firefighter & Law Enforcement

    Buffalo and Pittsburgh are affordable

  • Health Care Professional

    0 major metros are affordable

  • Teacher & Educator

    0 major metros are affordable

  • Military & Veteran

    Buffalo, Detroit, and Pittsburgh are affordable

What it All Means for Heroes

For many Hero households, homeownership is still within reach, especially in markets where home prices remain aligned with stable Hero incomes. But the findings also show where support is needed most: younger professionals, single-income buyers, and Heroes serving in high-cost coastal communities. Homes for Heroes helps make that path more affordable by connecting Heroes with savings and support throughout the real estate process.

Homeownership is still within reach, but where a Hero lives, their age and whether they are buying on one or two incomes can make a significant difference.

Illustration of a pathway leading to a small house

Ready to see what homeownership could look like for you?

Homes for Heroes helps Heroes save on buying, selling and refinancing a home by connecting them with real estate and mortgage specialists who understand their needs.

Affordability figures reflect the 50 largest U.S. metro areas as analyzed in the Homes for Heroes affordability report.